FREE CIBIL REPORT ??

184°
Deal Cadet
dhinchakrohit

Hey Dimers,


CIBIL themselves have an option of FREE score & report once per year as per RBI guidelines.


I was just young through TnC of CIBIL free report here

https://myscore.cibil.com/CreditView/support.pa...


One think i am stock upon before i saw the report for free is this -
This document lays out the terms and conditions and rules, as may be amended and supplemented, from time to time, (Terms) which shall be applicable to the provision of: (i) Credit Information Reports (Individual CIRs) and Company Credit Information Report (Company CIRs) (collectively referred to as, Reports) either /or for (a) Free Annual Credit Report and Score (as mandated by the Reserve Bank of India) (b) Subscribed Product ( Unlimited Access within the subscription period) © Featured Offers (d) Personalized Loan Offers
Does drawing the free yearly report through official CIBIL website also invite personalized offers? What sort of spamming they do..doez anybody know, pls share…

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Deal Cadet Deal Cadet
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Paytm
Sbicards
Hdfc

These offer free cibil report updated every month enjoy

Blogger Blogger
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In my wife’s CC, I have given my mobile number. When I try to search for free report on wishfin etc., they catch details with Pan + mobile number i guess. So i m not able to get cibil score for her.

Anyway to check her cibil score in such cases ?

Deal Cadet Deal Cadet
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drjpatwa wrote:

In my wife’s CC, I have given my mobile number. When I try to search for free report on wishfin etc., they catch details with Pan + mobile number i guess. So i m not able to get cibil score for her.

Anyway to check her cibil score in such cases ?

I dont think mobile no. should be yours only for getting CIBIL, just check with other apps like paytm, etc.

Always check TnC before u draw cibil score/report from any site/app.

Deal Cadet Deal Cadet
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demerius2020 wrote:

Paytm
Sbicards
Hdfc

These offer free cibil report updated every month enjoy

Any hidden TnC like they will share data or use for promotions etc…?

Blogger Blogger
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You can get latest free cibil report from wishfin app and website

Blogger Blogger
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dhinchakrohit wrote:

My query is different

In wishfin you get option to receive any loan offers or opt out no spam.

This is the best for regular free no spam cibil.

Deal Cadet Deal Cadet
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rogerthat wrote:

In wishfin you get option to receive any loan offers or opt out no spam.

This is the best for regular free no spam cibil.

That’s cool, but why are they giving it for free without spam? Whats the intention?

Pro Shopping Friend Pro Shopping Friend
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drjpatwa wrote:

In my wife’s CC, I have given my mobile number. When I try to search for free report on wishfin etc., they catch details with Pan + mobile number i guess. So i m not able to get cibil score for her.

Anyway to check her cibil score in such cases ?

U will have to separate mobile numbers for cards, after a month they get updated, thereafter u can access free CIBIL

Deal Subedar Deal Subedar
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rogerthat wrote:

You can get latest free cibil report from wishfin app and website

Broo i think its not safe too get score from wishfin
Like i have only given access to 2 apps for score
Wishfin and paytm
I keep getting many marketing calls
They share our data
An excutive from indusind bank is calling everyday
He has my pan num too, how did he get it?
He says i have received Pre approval for card from their system? 🙄
No privacy left
I never filled any online forms for getting cards

Talk-Of-The-Town Talk-Of-The-Town
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I am using creditmantri.com every month score will update free of cost…

Talk-Of-The-Town Talk-Of-The-Town
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drjpatwa wrote:

In my wife’s CC, I have given my mobile number. When I try to search for free report on wishfin etc., they catch details with Pan + mobile number i guess. So i m not able to get cibil score for her.

Anyway to check her cibil score in such cases ?

Credit card companies take 3 to 4 months for sharing information with credit bureau… If card taken recently u have to wait For The Score To Appear

Deal Cadet Deal Cadet
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VellaBoy wrote:

Broo i think its not safe too get score from wishfin
Like i have only given access to 2 apps for score
Wishfin and paytm
I keep getting many marketing calls
They share our data
An excutive from indusind bank is calling everyday
He has my pan num too, how did he get it?
He says i have received Pre approval for card from their system? 🙄
No privacy left
I never filled any online forms for getting cards

PAN + Mobile = Deadly Combo !

Deal Lieutenant Deal Lieutenant
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I applied for cc , after 2 -3 days got msg about rejected , called bank guy and he told me it got rejected only due to low cibil ,
asked him shall i check my cibil he told me dont check it , it will get down … cry

he told me to take cc on fd ,, gain some cibil and then apply normally .. is that ok ??

Deal Subedar Deal Subedar
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hackerboys wrote:

I applied for cc , after 2 -3 days got msg about rejected , called bank guy and he told me it got rejected only due to low cibil ,
asked him shall i check my cibil he told me dont check it , it will get down … cry

he told me to take cc on fd ,, gain some cibil and then apply normally .. is that ok ??

F**K that Chu*** and his advice. Download detailed Cibil report from official site. (Free once a year) and Then proceed based on score. Or use some apps like Paytm for cibil score, ET money for Experian, Cred for Experian and Crif score, One for Experian and Cibil score.

Deal Subedar Deal Subedar
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UnderNation wrote:

Credit card companies take 3 to 4 months for sharing information with credit bureau… If card taken recently u have to wait For The Score To Appear

Not really…
CC companies start reporting with the 1st bill…(so few days after your 1st bill information must be updated with Credit bureau )

Talk-Of-The-Town Talk-Of-The-Town
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Sudarshan61 wrote:

Not really…
CC companies start reporting with the 1st bill…(so few days after your 1st bill information must be updated with Credit bureau )

I Have Seen Faq’s and Terms On Cibil Score  at creditmantri.com… So I Mentioned Like That.

Deal Subedar Deal Subedar
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You can also use OneScore app (the OneCard guys) for free CIBIL score.

Deal Cadet Deal Cadet
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Guys…Please read my query (OP) and share info/answer if anybody knows……

Deal Captain Deal Captain
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PanTs wrote:

@demerius2020 Can you please share link to check cibil report?

I don’t have a link. Just open Paytm app scroll down and you would be able to see loans tab click on that and check free cibil score. wink
#AA_JJ sunglasses

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